The insurance industry in China responded rapidly to the powerful Typhoon "Red Cloud", immediately opening express claims channels, simplifying procedures, and accelerating processing times. The sector fully implemented its service commitment to "pay quickly when possible, pay all that is due, and provide reasonable advance payments", building a robust financial defense line for flood control and disaster relief. Between July 23 and 5:00 PM on July 26, due to the typhoon's impact, insurance companies in Guangdong received over 8,100 reports covering motor, agricultural, corporate property, and catastrophe insurance, with total claim payments exceeding 26.8 million yuan.
Fastest Claim Payment Arrives in 6 Minutes
The typhoon brought fierce winds and heavy rain, causing many vehicles to be damaged by falling trees or submerged in water. Insurance claim teams worked 24 hours a day, processing urgent cases through the rainy night. In Jiangmen, Mr. Wang's car was damaged by a falling tree branch on the evening of the 25th. Considering the inconvenience of traveling in the storm, claims adjuster Huang Yiming guided him to use the "Ping An Hao Che Zhu" app to complete self-service photo uploads and document submissions. The entire process, from online reporting to receiving the claim payment, took only 6 minutes.
In Chaozhou, at 11:00 PM the same night, Mr. Chen's car was damaged by sheet metal blown off by the typhoon. Following the report, Ping An Property & Casualty adjuster Wang Xinglong quickly arrived at the scene. An express green channel was opened, and a claim payment of 5,600 yuan was completed within 25 minutes, effectively relieving the car owner's financial pressure for repairs after the disaster.
In Zhongshan, Ms. Xiao's parked car was damaged by a falling object. In a panic, she reported a claim to CPIC. Upon receiving the report, CPIC Property & Casualty's online adjuster Zhou Hanhua promptly calmed her anxiety. Using the company's intelligent online claims system, he completed on-site surveying and assessment remotely. The entire process, from reporting to claim settlement, took only 20 minutes. Ms. Xiao expressed repeated praise for the efficient and convenient service.
In Huizhou, Mr. Wu's car had its sunroof smashed by a falling branch. He reported the claim at 9:13 PM that evening. A PICC claims adjuster braved the rain to arrive at the scene, using a flashlight to survey and assess the damage. Simultaneously, a green channel was activated, and the full claim amount was in his account by 10:22 PM. "The adjuster came in the rain, the paperwork was simple, and the payment was incredibly fast," said the affected customer, Mr. Wu. The next morning, multiple water-damaged vehicles in Huiyang, Huizhou, were simultaneously surveyed and assessed on-site. PICC claims staff waded through water to clear fallen trees, comforted affected customers on the spot, and efficiently solved the urgent problems of car owners.
The Guangdong insurance industry has installed water level alarms in known flood-prone black spots. When an alarm is received, insurance companies dispatch personnel to patrol the road sections. PICC Property & Casualty, adhering to the principle of "people first, life first" and the "pay quickly, pay all, and provide reasonable advance payments" claims standard, has fully activated a major disaster green channel. It aims to provide rapid compensation to ease the difficulties of affected people and local governments. As of 2:00 PM on July 26, PICC had received 1,853 reports and paid out nearly 10 million yuan in total claims, including 6.7 million yuan in catastrophe index and heavy rainfall index insurance payouts. In Shanwei, PICC quickly completed a catastrophe insurance payout of 4.35 million yuan to fully support municipal repairs. In Chaozhou, meteorological data triggered the payout mechanism, simplifying all approval steps. The process from case filing to claim payment took only 1.5 hours, with 625,000 yuan in relief funds quickly disbursed. In Yangjiang and Dongguan, catastrophe claims work is progressing simultaneously, with payouts expected to be completed soon.
Rapidly Rushing to Aid Marine Ranches
"The claims efficiency is extremely high, and the timely payment has effectively relieved our company's financial pressure, helping us quickly restart marine ranch production," said a representative from Shanwei Guotai Marine Ranch Development Co., Ltd., with deep feeling. Affected by Typhoon "Red Cloud", the coastal waters of Shanwei experienced winds of Force 10 or higher, causing severe damage to marine ranch farming facilities and catch. After the disaster, CPIC Property & Casualty's Shanwei branch immediately initiated a green claims channel for marine ranch insurance. It optimized case processing procedures and streamlined claims materials to efficiently complete loss verification. Just 3 hours after completing the loss verification, it paid an insurance advance payout of 3.87 million yuan to the marine ranch operators in Shanwei's urban area. This "CPIC Speed" injected strong momentum into post-disaster recovery.
In Huizhou, marine ranches and aquaculture suffered heavy blows from the typhoon. Bad weather prevented on-site surveys by sea. PICC Property & Casualty, leveraging meteorological index insurance technology, used weather monitoring data as the basis for loss assessment, eliminating the need for on-site verification. It quickly made an advance payment of 1.3 million yuan to Huizhou Agricultural Investment Group. "This payout will be used for repairing fish rafts and farming facilities, and replenishing production materials. It will effectively alleviate the financial pressure on farming entities and help the blue marine economy recover quickly," said a PICC representative. "Meteorological index insurance triggers loss assessment upon activation. Paired with tools like drone aerial photography and online remote surveys, it significantly shortens the agricultural insurance claims cycle."
From the arrival of the storm to the receipt of the claim payment, the increasing speed of payouts reflects the responsibility of financial support for agriculture and the insurance industry's commitment to the people. It is also a firm dedication to protecting the "blue granary" and safeguarding the marine economy. Additionally, Dinghe Insurance conducted on-site inspections of coastal photovoltaic power stations to accurately assess equipment damage. It simultaneously simplified claims procedures and accelerated document verification, pushing forward loss assessment and claim payment work. This effectively fulfills the insurance function of risk protection, helping affected entities resume production and operation as soon as possible, and using financial power to build a strong safety line for people's livelihoods against typhoon disasters.
Building a Strong Defense Line for Disaster Prevention and Mitigation
Behind the efficient claims process is a comprehensive pre-disaster emergency deployment. Before the typhoon made landfall, PICC activated a four-tier linkage mechanism covering national, provincial, municipal, and county levels. It mobilized over 1,370 employees and more than 650 external experts on standby, and deployed over 630 survey vehicles, nearly 500 tow trucks, and 77 drones, while stocking 200,000 emergency supplies. Company staff inspected 48 flood-prone black spots, 67 IoT monitoring devices, and 19 high-risk residential areas in advance. They went to underground garages, enterprises, farmlands, and offshore ranches to guide customers in moving vehicles, reinforcing facilities, and harvesting crops, all to minimize disaster losses.
Taiping General Insurance's headquarters activated a major disaster emergency plan, establishing a special flood prevention and disaster reduction task force to coordinate the entire process of disaster prevention, surveying, and claims for Typhoon "Red Cloud". It also implemented prevention and control measures in areas with weak drainage systems in the north, ensuring comprehensive coverage across the country. Sunshine Insurance coordinated its subsidiaries and regional offices affected by the typhoon to respond quickly and work together. It strictly implemented a 24-hour emergency duty system, opened green claims channels, and simplified claims procedures. Small claims were handled quickly online via "One-Click Claim", while offline cases were processed with coordinated rescue efforts, all to maximize the protection of people's lives and property.
Even before Typhoon "Red Cloud" made landfall, Ping An Property & Casualty's Guangdong branch had completed the deployment of disaster prevention and relief resources. It pre-set up fast-track advance payment channels and conducted risk inspections and warnings for high-risk areas like flood-prone road sections and underground garages.
Facing the severe situation of Typhoon "Red Cloud", all branches of China Life Property & Casualty Insurance Company in Guangdong Province fully activated major disaster emergency plans. They conducted in-depth risk inspections and issued early warnings in key areas such as high-risk rural houses, factory buildings, coastal embankments, underground garages, culverts, and tunnels. Drones were deployed for pre-disaster inspections of coastal aquaculture areas, low-lying orchards, and rice paddies. As of 6:00 PM on July 25, the branch had sent over 1.45 million warning messages to customers. It assembled a disaster prevention and claims team of about 700 people, deployed around 500 rescue tow trucks and survey vehicles, persuaded owners to move 74 vehicles from risk points, and completed on-site risk surveys for over 5,000 mu of fish ponds and 29 enterprises.
China United Property Insurance Company's Guangdong branch strictly implemented the integrated "protection, prevention, rescue, and compensation" service mechanism. It closely monitored weather warnings, distributed safety tips through various channels like warning posters and text messages, and specifically targeted potential affected areas like Shanwei and Heyuan. Text messages were sent in advance to inform customers of key prevention points, striving to minimize potential risks.
Looking ahead, insurance companies have stated they will continue to closely monitor the typhoon's subsequent impact, maintain smooth online and offline claims channels, further improve claims efficiency, and fully dedicate themselves to the subsequent surveying, loss assessment, and advance payment work. This is to ensure the safety of people's lives and property and the orderly restoration of social production and daily life.